AccuVault Terms of Service

Effective Date: 12/31/2025

1. Introduction & Agreement

Welcome to AccuVault, a personal financial record management application operated by YOLO NETWORK TECHNOLOGY PRIVATE LIMITED ("we", "us", or "the Company").

By downloading, accessing, or using AccuVault ("the App"), you confirm that you have read, understood, and agreed to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, you must discontinue use of the App.

The App is provided solely for personal, non-commercial, and lawful use.

2. Nature of the Service

AccuVault is a personal finance organization and account record management tool.

For clarity:

• AccuVault is not a bank
• AccuVault does not process payments
• AccuVault does not provide loans or credit
• AccuVault does not connect directly to banking systems

The App helps users organize financial records using:

• Manually entered account information, and
• User-authorized analysis of financial transaction messages (SMS)

All financial data displayed in the App is informational only and based on user input or device-level message parsing.

3. Eligibility & User Responsibility

To use AccuVault, you must:

• Be at least 16 years of age (or the minimum legal age in your jurisdiction)
• Provide accurate and current contact information
• Use the App only in jurisdictions where such services are legally permitted

You are responsible for ensuring that your use of the App complies with applicable local laws and regulations.

We reserve the right to restrict or suspend access if eligibility requirements are not met.

4. User Account & Security

You are responsible for safeguarding your login credentials and for all activity occurring under your account.

You agree to:

• Keep your account information confidential
• Notify us promptly if you suspect unauthorized access
• Use the App only through official distribution channels

We may temporarily suspend or restrict accounts where necessary to protect users, system integrity, or legal compliance.

5. Acceptable Use

You agree to use AccuVault only for its intended purpose.

You must not:

• Reverse engineer, decompile, or attempt to extract the App's source code
• Use automated scripts or tools to interfere with App functionality
• Misrepresent data or use the App to mislead others
• Use the App for unauthorized commercial, promotional, or illegal activities
• Attempt to bypass security or access controls

Violation of these rules may result in suspension or termination of access.

6. Permissions & Data Usage

Certain App features require optional permissions, including SMS access and approximate location.

By enabling these permissions, you acknowledge that:

• SMS access is used solely to identify and organize financial transaction-related messages, helping reduce manual data entry
• Location access (approximate only) is used to apply regional formats, currency conventions, or financial categorization
• Permissions can be revoked at any time through device settings
• Core App functionality remains available even if optional permissions are declined

All data processing is governed by our Privacy Policy.

7. Service Availability & Changes

We aim to provide a stable and reliable service but do not guarantee uninterrupted availability.

The App may be temporarily unavailable due to:

• Maintenance or upgrades
• System optimization
• Security or technical issues
• Events beyond reasonable control

Features and functionality may evolve over time as part of normal product improvement.

8. Account Suspension & Termination

We may suspend or terminate access to the App if:

• These Terms are violated
• Use poses legal or security risks
• Required by law or regulatory authority

Upon termination:

• Your right to access the App ends immediately
• Data will be handled in accordance with our Privacy Policy and legal obligations

9. Intellectual Property

All software, design elements, text, logos, trademarks, and content within AccuVault are owned by or licensed to YOLO NETWORK TECHNOLOGY PRIVATE LIMITED.

No rights are granted to copy, distribute, modify, or reuse any part of the App without prior written permission.

10. Disclaimer & Limitation of Liability

The App is provided on an "as is" and "as available" basis.

To the maximum extent permitted by applicable law:

• We make no warranties regarding accuracy, completeness, or reliability of financial records
• We are not liable for indirect, incidental, or consequential damages
• Use of the App is at your own discretion and risk

The App does not provide financial, legal, or investment advice.

11. Updates to These Terms

We may revise these Terms to reflect legal, technical, or business changes.

Updated Terms will be made available within the App or on our official website. Continued use of the App after changes take effect constitutes acceptance of the revised Terms.

12. Contact Information

For questions or concerns regarding these Terms, please contact:

Company: YOLO NETWORK TECHNOLOGY PRIVATE LIMITED

App Name: AccuVault

Email: support@yolonetworktechnology.com